No one has a crystal ball predicting your state of health.
Are you sure you will never end up in a hospital bed?
Hospitalisation
What is hospitalisation insurance?
Hospitalisation insurance provides comprehensive cover against medical expenses related to hospitalisation. Treatment costs prior to admission and aftercare costs are also covered.
With this insurance, you count on financial protection not only during your hospital stay, but throughout the entire recovery process.
Why choose hospitalisation insurance?
Peace of mind for you and your family
An illness, accident or a sudden event resulting in hospitalisation can entail high costs.
Hospitalisation insurance allows you to focus fully on your recovery, without worrying about the financial aspect.
Health is wealth
Health is taken for granted until you are no longer healthy.
The health insurance fund only recovers a limited part of your costs, namely the co-payment. Therefore, without hospitalisation insurance, the additional costs fall on your shoulders.
This insurance allows you to focus entirely on your recovery when your health (due to illness or an accident) is no longer self-evident. We take care of the financial picture.
Invest in your health preventively to save financial headaches later.
Additional hospital costs
Although a maximum invoice amount applies to hospital invoices in Belgium, these do not take into account the (fee) supplements charged by the hospital/doctor. It is precisely these supplements that can run high.
What does hospitalisation insurance cover?
There are several hospitalisation insurance policies with multiple formulas. This product will be fully tailored to your needs.
- Hospitalisation insurance covers the cost of hospital admissions worldwide, both for day care and long-term admissions.
- You enjoy additional assistance in Belgium and abroad.
- Pre- and post-admission costs are also covered.
- If you are affected by severe illness, it does not mean that you will have to bear long-term and high costs.
Hospitalisation insurance offers solutions for all kinds of scenarios.
Frequently asked questions
Discover the most frequently asked questions about hospitalisation insurance. Over the years, we have collected this information and summarise it here. Easy, right?
My employer offers me hospitalisation insurance. What about my individual insurance?
While this is a nice form of remuneration, it is best not to cancel your individual insurance too soon.
In fact, there are options to convert your individual insurance to a waiting policy. When you then leave the company, your individual contract can continue at the same conditions and entry age as when you started.
This keeps your hospitalisation insurance affordable, even in later life.
I am leaving my employer. What about my hospitalisation insurance through work?
You can continue the contract individually. This way, you remain uninterruptedly insured.
For this, you need to meet some requirements:
- You were insured for two consecutive years
- You submit an application within the statutory period of 30 days of losing this insurance through your employer.
In many cases, this can be done without medical formalities or exclusions of pre-existing conditions.
Beware, the premium setting is always linked to the age at which you leave the firm, which can increase the premium.
There are solutions for this, Materné will be happy to advise you.
Is it best to take out hospitalisation insurance through a niche insurer or through my health insurance fund?
Coverages with insurers tend to be more comprehensive.
- Health insurance funds mainly focus on double rooms. They usually do not reimburse supplements for stays in single rooms. And it is precisely those supplements that increase your costs.
A hospitalisation insurer will usually reimburse these costs. - Mutual funds usually limit reimbursement to between 1 and a maximum of 3 times the legal intervention. This is disadvantageous not only in the case of admission to a single room, but also for reimbursement of treatments, medicines and prostheses without legal intervention by the mutual health insurance fund.
- A hospitalisation insurer usually does not apply waiting periods. As soon as medical underwriting is completed (after completing a medical questionnaire or medical examination), the cover takes effect immediately.
With health insurance funds, this is usually not the case. Then you have to wait several months before you get coverage. If you are unexpectedly admitted during this waiting period, you will not be reimbursed.
I need to take medication after my surgery. Will it be reimbursed by my hospitalisation insurance?
This depends on the type of product you have taken out.
There are products on the insurance market that cover both pre- and post-treatment costs. These are often limited in duration, but extensions are also possible here. For instance, you can enjoy coverage for post-treatment costs even up to 6 months after your hospitalisation.
I need to start a fertility programme, are the costs covered by the hospitalisation insurance?
This is certainly possible. There are solutions for reimbursement of fertility treatments:
- in vitro fertilisation
- in vitro maturation
- microinjection
Materné will compare options with you.
Other solutions for optimal coverage
Take the uncertain as certain and discover our insurance policies that perfectly match your hospitalisation insurance.